Union Bank of India VISA Platinum Credit Card
Union Bank of India
Annual / renewal fee
₹450/- (Primary), ₹350/- (Add-on).
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards5 Aug 2026, 3:25 PM ISTUnion Bank of India
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at canarabank.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at canarabank.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
VISA Platinum Credit Card by Union Bank of India. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
NIL (Primary), NIL (Add-on).
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards5 Aug 2026, 3:25 PM ISTUnion Bank of India
Annual / renewal fee
₹450/- (Primary), ₹350/- (Add-on).
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards5 Aug 2026, 3:25 PM ISTUnion Bank of India
Fee waiver
Annual fee waived if credit card usage in last 12 months (from credit card issuance date) is ₹50,000/-.
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards5 Aug 2026, 3:25 PM ISTUnion Bank of India
Rewards
Not published in the official documents on file — see the official T&C link below.
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Insurance
- Group Personal Accidental (Accidental death) Insurance Coverage: ₹10,00,000 for VISA Platinum (premium borne by cardholder).
- Cardholders aged 18 to under 70 eligible.
- Up to 3 add-on cardholders eligible with consent and premium payment.
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards5 Aug 2026, 3:25 PM ISTUnion Bank of India
Eligibility
Eligibility
Card(s), whether Primary or Add-On, will not be issued to any person less than 18 years of age.
VerifiedCardholder Agreement (Terms & Conditions) – Union Bank of India Credit Cards5 Aug 2026, 3:25 PM ISTUnion Bank of India
Charges & interest
Forex markup
Foreign Currency Markup Fee: 3%.
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards5 Aug 2026, 3:25 PM ISTUnion Bank of India
Charge
- Cash Advance: interest (finance charge) @ 2.5% p.m. (30% annualized) from date of withdrawal.
- Cash Withdrawal Fee at own & other Bank ATMs: 3% of Cash Advance or Min. ₹500/-.
- Finance/Service charge (retail rollover): 3.00% p.m. / 36% annualized (whether or not MPD paid).
- Card Replacement (VISA Platinum): ₹249/-.
- Lost Card Charges: NIL.
- Charge slip Request: ₹200/-.
- Temporary Enhancement: ₹200/- per occasion.
- Hot Listing Charges: Nil.
- If MPD not paid: ₹200/-.
- Balance enquiry: own Bank ATM Nil, other Bank ATM ₹20/-.
- Green PIN: Nil.
- Cheque Return Charges: ₹250/-.
- Over limit Charges: 2.5% of over limit amount, Minimum ₹250/-.
- Transaction Charges at Railways: 1.5% + IRCTC Charges.
- Late Payment Charges: dues up to ₹25,000/- ₹200/-, above ₹25,000/- ₹500/-.
- Statement for >3 months: ₹50/- per statement.
- (Charges exclusive of GST).
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards5 Aug 2026, 3:25 PM ISTUnion Bank of India
Fuel surcharge waiver
Fuel Surcharge Waiver: 1% up to ₹100/- per month.
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards5 Aug 2026, 3:25 PM ISTUnion Bank of India
Interest-free period
- Interest-free (grace) period ranges from 20 to 50 days, applicable only on retail purchases and if previous month's balance cleared in full.
- No interest-free period for cash withdrawals.
VerifiedMost Important Terms & Conditions (MITC) – Union Bank of India Credit Cards5 Aug 2026, 3:25 PM ISTUnion Bank of India
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the VISA Platinum Credit Card?
Officially traced: Rs. 450/- (Primary), Rs. 350/- (Add-on).
Most Important Terms & Conditions (MITC) – Union Bank of India Credit CardsWhat is the joining fee on the VISA Platinum Credit Card?
Officially traced: NIL (Primary), NIL (Add-on).
Most Important Terms & Conditions (MITC) – Union Bank of India Credit CardsIs the VISA Platinum Credit Card annual fee ever waived?
Annual fee waived if credit card usage in last 12 months (from credit card issuance date) is Rs. 50,000/.
Most Important Terms & Conditions (MITC) – Union Bank of India Credit CardsWhat are the transfer ratios for VISA Platinum Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
What is one point on the VISA Platinum Credit Card worth?
Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.unionbankofindia.bank.in/en/details/visa-platinum-credit-card.
VerifiedVISA Platinum Credit Card product page5 Aug 2026, 3:25 PM ISTUnion Bank of India
Verified 2026-08-05 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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